Lauderdale County property record for 397 Acton Dr, Florence, AL 35634 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 2,584 sqft · built 1950 |
| Lot Size | 0.46 acres (20,038 sqft) |
| Owner | Individual Name on File |
| Last Sale | $1,150,000 (Jun 2026) |
| Tax Bill | $4,223 (2025) |
| Deeds & Mortgages | Jun 2026 Sale & Construction Loan Mar 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 16-07-26-0-003-003-000 |
| Primary APN | 16-07-26-0-003-003-000 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 2,584 sqft Living Area |
| 1st Floor Area | 1,992 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Exterior Material | Stone |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 20,038 sqft (0.46 acres) |
| Lot Dimensions | 201 ft deep x 100 ft wide |
| View / Lot | Waterfront |
| Garage Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | 136 sqft |
|---|---|
| Patio Area | 136 sqft |
| Bath House | 572 sqft |
| Utility Building | 276 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 93665 |
|---|---|
| Street Address | 397 ACTON DR |
| City | FLORENCE |
| State | AL |
| Zip | 35634-2443 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 100 X 201 LAKE COVE S/D BLK A LOT 6 .46 AC/C SEC 26 T2S R10W PB 3 PG 14 |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 26 |
| Legal Subdivision | LAKE COVES |
| Legal Block | A |
| Legal Lot Number | 6 |
| Jurisdiction | LAUDERDALE AL |
| Township / Civil Division | FLORENCE |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 11503 |
Source: Lauderdale County records · APN 16-07-26-0-003-003-000
Assessment roll updated November 24, 2025 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 397 ACTON DR, FLORENCE, AL 35634-2443 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jun 08, 2026 | Deed, Transfer · Construction Mortgage PNC BANK, NATIONAL ASSOC |
| Mar 05, 2018 | Warranty Deed, Transfer · Conventional Mortgage FIRST METRO BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 08, 2026 · Amount on Record |
| Deed Sale | Jun 08, 2026 · Amount on Record |
| Prior Sale | Mar 05, 2018 · Amount on Record |
| Deed Document Number | 2026 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | LAUDERDALE AL |
| Recording Date | Jun 08, 2026 |
| Property Address | 397 ACTON DR, FLORENCE, AL 35634-2443 |
| Instrument Date | Jun 08, 2026 |
| Transaction Type | Transfer |
| Record Updated | Aug 18, 2026 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 397 ACTON DR, FLORENCE, AL 35634-2443 |
| Date | Jun 08, 2026 |
|---|
| Name | PNC BANK, NATIONAL ASSOC |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.23% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAUDERDALE AL |
| Recording Date | Mar 05, 2018 |
| Property Address | 397 ACTON DR, FLORENCE, AL 35634-2443 |
| Document Number | 2018/8512 |
| Book / Page | 2018 / 8512 |
| Instrument Date | Mar 01, 2018 |
| Transaction Type | Transfer |
| Record Updated | May 18, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2261 COUNTY ROAD 65, 2261, KILLEN, AL 35645-5725 |
| Name | Verified Name |
|---|---|
| Address | 397 ACTON DR, FLORENCE, AL 35634-2443 |
| Document Number | 2018/8515 |
|---|---|
| Date | Mar 05, 2018 |
| Book Page | 2018/8515 |
| Name | FIRST METRO BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
Source: Lauderdale County records · Assessment roll updated November 24, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Alabama |
| County | Lauderdale County |
| Unified School District | Lauderdale County School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,223.00 | $120,680 (+79.64%) | $603,400 (-) Land $335,900 Building $267,500 |
| 2024 | $4,223.00 (-1.17%) | $67,180 (-) Land $67,180 | $603,400 (-) Land $335,900 Building $267,500 |
| 2023 | $4,273.00 (+21.67%) | $67,180 (-32.09%) Land $67,180 | $603,400 (+22%) Land $335,900 Building $267,500 |
| 2022 | $3,512.00 | $98,920 | $494,600 Land $288,100 Building $206,500 |
Source: FEMA National Flood Hazard Layer, Lauderdale County (01077C), updated August 1, 2018 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 010770115031, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Cost | Premium on Record median of 4 individual NFIP policies nearby |
| Nearby Flood Policies | 4 in force 4 of 4 on primary residences |
| Nearby Flood Claims | 1 (2019) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Aug 2019 |
| Wildfire Risk | Low above 20% of the US · above 8% of Alabama |
|---|---|
| Wildfire Likelihood | About 1 in 4,762 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
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